Commercial Business Insurance Solutions

Protecting your business doesn’t have to be complicated.

Every company needs commercial business insurance—sometimes the government requires it, a landlord writes it into their lease, or a client includes it in a contract. Making sure you’re covered can be a headache, but Southpoint can help.

Understanding the Many Types of Commercial Business Insurance

In a perfect world, you could purchase a single low-cost policy covering all your small business risks. In reality, you may need a handful of policies to cover property, general liability, workers compensation, auto, professional liability, and employee benefits. Purchasing so much coverage can quickly become complicated and expensive, which is why Southpoint offers commercial business insurance solutions to address your company’s needs.

Our insurance professionals have close relationships with our insurance company partners, which allows us to shop around for the best quotes. Plus, we eliminate the need for multiple insurance agents because we are experts on both commercial insurance and employee benefits packages. If you need a commercial package policy, workers compensation coverage, professional liability insurance, employee benefits coverage, or a combination of all four, Southpoint will find solutions to fit your business and budget.

Our partnership doesn’t end when we find you coverage—Southpoint will work with your business year-round to help manage claims, implement risk management practices, and adjust your policies if your business needs change. If you venture into a new industry or start offering a new service, we can help you reevaluate your risks and find specialized coverage at a low price. Learn more below about the business insurance solutions Southpoint offers, or contact us for more information.

Commercial Package Policies

Package policies can combine your commercial property, general liability, auto, and umbrella insurance into one policy so that you can keep your essential coverages in one place. Southpoint can customize your coverage depending on your needs.

Best For

  • Customer injuries and property damage
  • Replacing or repairing damaged property
  • Vehicle damage and accident costs
  • Adding extra coverage limits

Workers Compensation

If an employee gets injured on the job, workers compensation coverage pays for their medical and rehabilitation costs. Because workplace safety directly impacts insurance costs, Southpoint offers loss control and claims management services.

Best For

  • Surgery and medical expenses
  • Rehabilitation costs
  • Lost wages
  • Funeral costs

Professional Liability Insurance (Errors and Omissions)

For businesses that sell their services to clients, professional liability or errors and omissions insurance pays for lawsuit costs if a client is dissatisfied with what they receive. Southpoint specializes in niche coverage to protect your high-risk business.

Best For

  • Missed deadlines or unfinished work
  • Copyright infringement
  • Malpractice allegations
  • Negligence or mistakes

Employee Benefits

If you want to supplement employee income by offering retirement plans and health, disability, and life insurance, benefits packages can provide inexpensive, comprehensive coverage. Southpoint’s benefits experts can customize your package based on employee needs.

Best For

  • Medical costs
  • Lost wages during work absences
  • Funeral expenses
  • Day-to-day expenses after retirement

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